[RBI] Strategy for Grade B Officer exam phase-1 & phase-2 by RBI-Topper Manojkumar with his marksheet & cutoff

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IAS Mock Interviews
  1. About the author
  2. My clamour for RBI Grade B officer:
  3. General thoughts:
  4. Ice breaker and general approach:
  5. Newspaper and how to read it:
  6. Mrunal.org’s role in preparation:
  7. Topic wise approach:
  8. Phase I
  9. Phase II
  10.  Economic and Social Issues:
  11. English(Writing skills):
  12. Finance and Management:
  13. Other sources to be read:
  14. Interview:
  15. My Marksheet for RBI Grade “B” exam
  16. Conclusion:

About the author

Age24 years
HometownPudukkottai, Tamil Nadu
  • % in 10th: 91.45%
  • % in 12th: 95.75% (200/200 in Physics, Chemistry, Mathematics and Biology)
  • % in U.G: 85.6%
CollegeQualification: Electronics & Communication engineering
College: College of Engineering Guindy(CEG), Chennai (Anna university’s main campus)
Work experience
  • Senior Business analyst in Mu Sigma Business Solutions Bangalore (Oct 2012- May 2014)
  • Assistant in RBI Chennai (Jan 2016-Present)
Previous attempts
  • This was my first attempt in RBI  officer’s exam.
Tamil Movies
  • Cricket, cooking and watching tamil movies

My clamour for RBI Grade B officer:

Friends, RBI has released notification for Grade “B” Officers exam Batch 2016. Click me to apply. In this regard, I wish to share some insights from my experience.

RBI Grade B officer Manoj Kumar strategy tips
Myself Manojkumar- like many of you, I’m a small town boy  aspiring for bigger things in life. Like most of the aspirants do, I entered into the fray of competitive examinations by starting preparation for UPSC civil services examination. Economics as an important and contemporary subject was very new to me as I did not have even a little of exposure about the subject in school/college. Everything was new and interesting and more importantly it made me think more as the subject is more dynamic and mathematical. Two months into the preparation and I came to know about RBI’s Grade B officer examination. One of my friend told me at that point of time that his sister had appeared for the exam an year back and was awarded a very low score in the interview (probably single digit mark). From there on, I made up my mind that this post is something that is almost unreachable and might not even suit me as I am a minnow in this subject. Very limited number of seats(around 100 every year) added assault to injury. I continued with my preparation for CSE but there was still a great craving about this exam and post. I used to take a look at previous year question papers of Grade B post which did no good to me but only aggravated my fears. I could not even get the simplest of doubts cleared and this exam seemed to be a nightmare. That is where I came across mrunal.org which is almost a game changer for economics and its basics. A friend of mine gave several PDFs from mrunal.org which explained things in a very simple manner that I not only got clarity of basics but also developed a liking and love towards the subject. The fear that crept into my mind had also subsided. After knowing the role of RBI in nation building, I got a feeling that it can give me strength, satisfaction and respect that a civil servant gets. The scope of service is also very high as the central bank has become a major player in a world of volatile economy. That is when I decided that I would jump into Grade B exam preparation

General thoughts:

Preparation has to be two pronged: one for phase 1 and other one for phase 2. It is wise to approach the exam topic by topic rather than going book by book. Reading precise and staying up to the point is essential as the exam is objective. At the same time, it is also required to get the conceptual clarity (if not in depth, at least a basic clarity) as some questions did test the concept clarity. Moreover, English writing skills and interview requires a fair understanding of concepts. Books suggested and reference books given by RBI board are too big to cover. It is only by sticking to the syllabus that we can try conquering it to the best of our satisfaction. It is better to start the preparation with phase 2 and then move on to phase 1 with one or 1.5 months before the exam.

Ice breaker and general approach:

As this exam is a blend of banking, finance and economics, it is better to build the base before jumping into the syllabus. Complex issues like those in the economic survey can be easier with a good understanding of concepts. To start with, “Indian economy key concepts by Shankar Ganesh” is a very good book as it explains things in a simple (simpler than NCERT) and lucid manner that anyone can understand. 10 chapters and a very small book, so it always keeps you in the groove so that you feel confident once you complete the book. Chapters involving capital markets might look slightly complex but repeated readings can make it look easy. Crux here is to get a feel of what economics is and how it is very much important in the current context of nation building. And moreover, it covers basics of many topics in our syllabus such as WTO, Banking, National income, Budget, etc. It is better to institutionalise the terms by taking up discussions or taking mock vivas among friends. NCERT reading from 9th to 12th is advisable depending upon the availability of time. One can ignore theorotical economic sections like money multiplier and all the complex graphs which would automatically fall under Economics optional in Paper-III. Glancing enough can do a world of good. Our base can be further strengthened by reading PDFs in mrunal.org which is in a dialogue format (funny as well as understandable). Doing all this will make you a person who is no longer a beginner in economics. It would provide oil for your mind engine when you jump on to contemporary issues

Newspaper and how to read it:

As this exam is a test of banking/economic knowledge, there is a common misperception that one needs to study newspapers like Mint, Financial express, Economic Times, etc. But this is not the case here. I am not discouraging you to follow the above mentioned newspapers. But it is always better to channelize the resources available to get the best utility out of it. It is more than enough to stick with “THE HINDU”. The first paper of the syllabus reads Economic and Social issues. Issues is the key word here signaling that the contemporary part needs to be given more importance than the static basic parts. Also hardcore financial and economic dailies cover topic in a way that might not connect the dots between economic issues and the underlying socio economic factors for the same. Questions were even asked from Polity in Paper-I of phase 2. Further General awareness section in Paper-1 requires a general newspaper to be read rather than an economic newspaper. So, be choosy in reading newspapers that you can afford to as time is not a luxury. You could be a regular newspaper reader or a new comer. But make sure that you follow newspaper regularly as it would provide you the following things:

  • Good understanding and correlation of topics in the current socio economic scenario
  • Fodder for essay in Paper-1 of phase 2
  • The confidence to face the interview
  • General awareness section of phase 1
  • English section of phase 1
  • Current affairs in paper 1 of phase 1

It is good to keep the syllabus by heart while reading the newspaper. That will tell us what is to be covered and what is to be ignored. I am providing you here with examples of what to read and what not to

To be read:
1) GDP growth accelerates to 7.9% in the final quarter
2) World Bank announces a new criteria for calculating poverty line
3) 1.44 lakh crores of Education cess collected remains unutilized
4) 25% of children below 5 years of year underweight
5) Jats demand reservation

Not to be read:
1)L&T plans to invest Rs. 6000 crore in the coming quarter
2)Modi govt. not pro poor: Rahul
3)Egypt flight shot down

Mrunal.org’s role in preparation:

I am not writing this to praise mrunal.org but truth has to be said. IF there could be any resource that in this world can help you for preparing RBI Grade B, it could be none other than mrunal.org’s videos on “how to approach economics for UPSC”. It perfectly suits for Grade B preparation also and in fact looks tailor made for the same. In 2015, there were about 70 videos under 7 topics. I saw all the videos once and institutionalized them by utilizing the PPTs provided. I almost read it around 5 to 6 times and made sure that nothing is missed from Economic Survey/Budget. The videos are a nice craftwork of Economic survey, Budget and current affairs intertwined for the current socio economic scenario. Best thing is that it is available for free to everyone. People who are from non-hindi states might face slight issues in following the lecture but the pictures and graphics in PPTs would make it easier. Completing this and repeated revisions of the same will definitely provide an edge in paper 1 and paper 3 of phase 2

Topic wise approach:

Phase I:

General awarenessThe Hindu, daytodaygk.com monthly PDFs ,mrunal.org
EnglishThe Hindu
QuantsTIME CAT materials
Logical reasoningTIME CAT materials

Test series: www.careerpower.in  I also got good reviews about oliveboard test series. Decide the section wise order even while taking up mocks and stick on to this. My order is as follows: General awareness, English, Quants, Logical reasoning. First two sections would take only 30-40 minutes and you would have covered 110 questions. Scoring high in General awareness is very important as Quants and Logical reasoning sections are really tough to get through where clearing the sectional cut offs should be the aim.

Phase II

I am mentioning here the static areas to be covered under these topics. It is very essential to update the same with contemporary areas in these topics from newspapers, Budget, Economic Survey, Yojana, Vision IAS current affairs etc

 Economic and Social Issues:

Growth and Development, Measurement of growth12th NCERT, Shankar Ganesh, Sanjeev Verma
Poverty alleviation and employment generation in IndiaRamesh singh, Sanjeev verma, 11th NCERT
Economic reforms, Industrial and labour policy, Privitization, GlobalizationSanjeev Verma, Wikipedia
BoP, Exim policy, IMF, WB, Regional economic cooperationMost of them are dynamic. Wikipedia would help getting how these institutions were formed
Multicultarism, Demographic trends, Urbanization and migration11th Geography old NCERT Land and people, Latest census data
Positive discrimination, Indian political systemArticles and special provisions in favor of backward and scheduled classes

English(Writing skills):

“An apple a day keeps the doctor away
An essay a week keeps the mark intact”

Essay and Precise writing were the two questions asked in this paper with 50 marks each in both the questions. The name is self-explanatory where in writing skills play a major role for scoring high in this paper. This is something that comes with practice in writing. In order to improve writing in subsequent iterations, it is always important to read quality content. And Essay topics would be mostly from current socio economic issues. So there need not be a separate content that has to be read for this paper. It is all about putting the content in the right format and structure. Practicing essays and getting it reviewed from a peer who is really good at content pertaining to the topic and English language should be the key. Editorials in The Hindu which are very relevant to current economic scenario can be flagged, noted and revised for some good fodder and key stats. Economic survey, Budget, Yojana articles can spice up your essay when mixed in right proportion. It is also important not to take precise writing lightly. Taking help from online resources and practicing is a must. All these small things will definitely pave way for a bigger thing-i.e. success

Finance and Management:

Financial systemMrunal, Shankar Ganesh
Financial Markets, DerivativesNCFM materials(by Bombay Stock Exchange(BSE))
Recent developments in Banking,Public sector reforms,DisinvestmentsEconomic survey, Current affairs from Vision IAS
FRBMARamesh Singh
Finance commission recommendations, Inflation trendsMrunal.org, Rbi official site, Shankar Ganesh
ManagementQuestions were very basic and hence a basic understanding of all management terms in the syllabus is more than enough. Online resources and Wikipedia would help

Other sources to be read:

Yojana- This would provide an analytical understanding of current schemes and hence facts would become a matter of simplicity once analytical thoughts are developed
Vision IAS current affairs- Contemporary affairs are the most sought in any competitive exam. This would provide a monthly break up of current affairs and hence note making need not be done by us which would save a lot of time
Daytodaygk.com- Monthly PDFs of current affairs (factual). This is mainly useful for General awareness section of phase 1


Not getting shortlisted in the final stage after crossing phase 2 doesn’t mean that you have solely lost it because of a poor show in the interview. Most of them fall behind in phase 2 and even a better score in interview won’t help. So it is always better that phase 2 marks are sufficiently above the cut off marks so that it would provide the cushion even if something drastic happens in the interview. However it is best to approach the interview with an open mind without speculating what we would get for the interview. The panel would be very friendly and tries to bring the best in you. So it is very important not to panic to express what you try to convey. One has to really make sure that one is 100% sure about the things mentioned in the bio data which was sought by RBI services board before the interview. It is even ok to have a simple resume but overstating and not able to justify your stand will bring curtains. It is even ok to say “Don’t know” but making sure that the previous question’s poor impact doesn’t get reflected in the next one is very essential. This would put a test on your resilience and ability to perform under adverse conditions. Mock interviews are a matter of discretion and even self-talks are enough if you are confident. Create own questions and answer it as many times as you can. Throw up all the weird questions with respect to your resume and get it answered before you step into the interview hall

My Marksheet for RBI Grade “B” exam

Phase 1:

SectionMarks/Total marksCut off pertaining to my category
General awareness54.75/8016
Logical Reasoning15.75/6012

Phase 2 and Interview:

PaperMarks/Total marksCut off pertaining to my category
Economic and Social issues78/100
Finance and Management71.25/100
Phase 2 total222.25/300182


At the end of the day, even after so much preparation there would be questions that looks unanswerable. What we are doing here is to equip ourselves with all the weapons in our armory to make sure we win the battle even if we lose some soldiers. Presence of mind and application on the exam day are also going to be vital as this is an objective exam and hence elimination is the best way to go. Customize yourself by taking a good understanding of your strengths and weaknesses. You could be a Civil Service aspirant or a Banking aspirant or solely a RBI aspirant. Adjust accordingly and launch your preparation. All the Best!

Mrunal recommends

  1. (free) NCERT, NIOS, TN-Books 4 History,Geo,Sci
  2. Indian Polity M.Laxmikanth (Hindi | English)
  3. Spectrum: Modern History (Hindi | English)
  4. Maths: Quantam CAT Sarvesh Kumar
  5. Objective General English SP Bakshi
  6. Word Power made Easy -Norman Lowe
  7. Topic wise Solved Paperset by Disha

237 Comments on “[RBI] Strategy for Grade B Officer exam phase-1 & phase-2 by RBI-Topper Manojkumar with his marksheet & cutoff”

  1. Hello Manoj Sir
    Many congratulations on your success
    I am working as asst manager in central bank of india I am preparing for rbi grade b
    If u can send any soft material regarding exam please send me on my mail id [email protected] com
    Pls help

    1. Manoj bhai rbi assistant ke liye kon si book pduu best book batana pls

    2. Please Do send me the material for grade b officer on my mailid: [email protected] if the materials are available with u.

    3. Satish,

      All the materials will be irrelevant by now as they are outdated!! Update with current materials.. Do the static part from the sources mentioned in the blog

  2. Hello.. congrats! One small curiosity hope you will not mind me asking. Why are you working as Assistant after having cleared Grade B?

    1. I was an assistant by the time I wrote the blog.. Now am working as an officer

  3. Hai Manoj sir,
    1st of all I solely congrats u.as I’m being a RBI GRADE B aspirant ths preparation strategy made me a great tonic for doing a greats of great sir.now I’m feeling whimsical.im ki d of adulating u sir.thank you so much.plz plz send me soft material for paper 3 finance and management Sir.plz send notes to my mail id [email protected]

    1. Sreegayathri,

      Thank you.. ur words make me feel satisfied that the blog has influenced ppl to take up grade b…

      All the materials will be irrelevant by now as they are outdated!! Update with current materials.. Do the static part from the sources mentioned in the blog

  4. Hello Manoj sir,
    Hearty congratulations on ur success , am preparing for rbi grade b, if u could send me de study material it would be a great help to me, my email id [email protected]

    1. Sindhoori,

      All the materials will be irrelevant by now as they are outdated!! Update with current materials.. Do the static part from the sources mentioned in the blog

  5. Hello manoj sir, congrats for your result. I am working at canara bank as an agriculture officer. I have been preparing for RBI GRADE B since last year. But i was not confident enough so i did not appear this year. Please tell me what should be the preparation strategy for a 9am to 7.pm working professional. I feel there is some loop holes in my strategy. As i was going book by book rather topic by topic.plz guide

  6. Is it easy to crack rbi grade b officer post?how to prepare and what r the materials needed to clear this?

    1. Hii sir,

      Congratulations alott!!!

      I have just started aspiring for RBI Grade B exam and i am a working professional having lack of time. Please guide me for the preparation strategy just from the scratch and do share if any notes available at [email protected].

      Looking forward for your guidance…

  7. sir from this year 2016 the rbi grade b pattern has been changed and paper of esi and finance and management has become multiple choice rather than descriptive one …..then what should be strategy now regarding that.

  8. Sir
    I belongs to SC category.In my 12th exam I have had less than 50% marks but after 12th I have done diploma in electronics and secured 75%.In notification it was mentioned that in 12 or diploma above 50%marks has to be secured by candidate.Is I’m eligible to apply.Plz guide me


  9. Hi Manoj,
    Congrats on the tremendous success in the exam.

    If u can send any soft material regarding exam please send me on my mail id [email protected] com
    Pls help.

  10. Hi Manoj anna,
    Hearty congratulations on ur success ,i am preparing for rbi grade b, if u could send me the study material it would be a great help to me, my email id [email protected]

  11. Congrats Monoj sir. As I am working as a SBI CLERK. I am also preparing for RBI Grade B .Please send me material which you have prepared for this. Really I am very much interested to follow your way of preparation .Please send material to this email : [email protected]
    Thank you

  12. Congrats Monoj sir. As I am working as a SBI CLERK. I am also preparing for RBI Grade B .Please send me material which you have prepared for this. Really I am very much interested to follow your way of preparation .Please send material to this email : [email protected]
    Thank you.

  13. Hi Manoj Sir,
    Congratulations on ur success ,i am preparing for rbi grade b, if u could send me the study material it would be a great help to me, my email id is
    [email protected]

  14. Hiiii manoj sir

    My name is Sinde.Bhagvan i am completed graduation in B.com (2016) . I want prepare for RBI B grade and assistant exam. Please send me how to prepare and what stratage i have to follw and wich books i have choose for this exam. I have appeared for ibps po exam but i have not cleares preliminary exam. Sir Please replay as soon as possible.

  15. Sir please send some study material for rbi grade b to my mail id.i would be very thankful to you. My id is [email protected]

  16. Hi Manoj Sir,
    Congratulations on ur success. Sir plz send some study material for RBI Grade B to my Mail id.i would be very thankful to you.
    [email protected]

  17. Can i leave my job and prepare for rbi exam. What is difference between rbi grade b and assistant posts? I am working as a mechanical engineer.

  18. Hi Sir,
    My name is Simran.I wanted to appear for this RBI grade B exam 2017.Can you please mail study materials and guidelines to crack this exam.My Id is [email protected] be very thankful to you.

  19. Hi sir
    My name is Priya. I will be attending RBI Grade – B Officer exam in 2017… My email id is [email protected] can you send me the appropriate study material

  20. Hello sir
    I am Kunal Parekh. I have started preparartions for Rbi grade B officers exam. Below is my email id please provide me the.study materials deatils and the way of studying

    [email protected]
    kunal h parekh

  21. Hi sir,
    My name is Gayatri , I m also preaparing for RBI grade b exam . Can u pls provide some study material on phase 2 paper.

  22. Hi..
    please do share previous years paper for Phase I and II.

  23. I do appreciate your great efforts and heartily congratulation But your academic performance coerce me to feel low and also convincing me (silently). i can’t fix this exam because of my low academic record. please remove your academic record or put a blog concerning this myth(weather previous track record plays any role? )

  24. Fakhra Tabassum

    Hi Sir,

    Heartiest Congratulations on Ur success! I have started preparations for RBI grade B officer General & Research exam. Below is my email id. please provide me the study materials details and the way of studying.

    [email protected]


    1. did you receive study materials by manoj?

  25. Hi priya I have some material

  26. Hello sir,

    Many congrats on your success. My name is Chaithanya. I’m aspiring to become a RBI grade B officer. Can you please mail study materials,previous question papers and guidelines to crack this exam.

  27. Hello sir,
    My name is Partha Choudhury.I am aspiring to become RBI grade B officer.Please guide me with the study materials and previous year papers.

  28. Hi All,

    Request to send the preparatory materials for RBI grade B to [email protected]

    Thanks and Regards
    Abinash Satpathy

  29. Hi Manoj Sir,
    Heartiest Congratulations on Ur success! I have started preparations for RBI grade B officer General & Research exam. I have a
    Request to send the preparatory materials for RBI grade B to [email protected]

  30. Congratulations for your hard work and success. Truly inspirational to all aspirants. Thank you sir

  31. Hello Manoj Sir,
    This is Vijaita, I am preparing for bank exams and aspire to qualify RBI Grade ‘B’ exam. Kindly provide preparatory material.
    Email id- [email protected]

  32. Hello Manoj Sir
    Many congratulations on your success. I am preparing for rbi grade b officer 2017.
    If u can share any soft material regarding exam then it will be a great help to me. My email id [email protected] com

  33. Congratulates sir… Sir i want to prepare rbi grade b exam 2017. So i request u to please provide me soft matterial for rbi grade b phase2 paper.my email id is – [email protected]

  34. please send me a material

  35. I want to order study material for rbi tier 2 .plz tell the name of any good coaching material.

  36. Hello sir ,
    Myself Ankita Sharma , sir i want to prepare for rbi grade b for this i want that you guide me how should i pepare for it !
    from where should i get best material for rbi

  37. hi Manoj,
    I am Mr.Pathan presently working as Sr.Manager in Bank… i want to become Officer in RBI …. kindly send me soft copy of study material…on [email protected]

    Thanks & Regards
    Sr.Manager Pune.

  38. Hi sir,

    I will be attending rbi grade b in 2017. Can u send me the relevant study material in my mail box so that I can start my preparation.

  39. Hello manoj Sir..
    Great job done by u..kindly help me too..request you to send prepatory study material to [email protected]


  40. Hi manoj congratulations on being selected with RBI, require some guidance from you, im 33 yrs and from obc bankground , i have 8 years of experience banking industry public sector bank , i would like to know if there is any age criteria for RBI grade B officers . Pls this my mail id [email protected] . Pls send us the material if you have any with regard to preparation of RBI.

  41. Dear sir,
    I am in need of grade b exam mains notes can u plz send on my email id

  42. INSPIRING STORY ,request you to forward the material on [email protected]….also mrunal used to provide all useful PDF links and videos link down at the bottom of every such article ..what happened to that ?

  43. Hello Manoj Sir
    Many congratulations on your success
    I am working as clerk in state bank of india I am preparing for rbi grade b
    If u can send any soft material regarding exam please send me on my mail id [email protected]
    Pls help

  44. hello sir,

    I will be attending RBI GRADE B EXAM in 2017. Can u send me the relevant study material in my mail id [email protected]

  45. hello manoj sir congratulations on your success. I am from electrical domain . No experience in banking . Can i prepare for rbi grade b officer. If yes kindly mail me some studdy material at [email protected].

  46. Hi sir,
    Can you guide me which study material, i should refer for preparation of RBI Grade B officer and share me the strategy how to prepare for exam from scratch. My email id is [email protected]

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